Massachusetts Workers Comp Rates

Massachusetts ranks as the 4th in the nation for affordable worker’s compensation premium rates, according to a 2014 study completed by the Department of Consumer Business & Services. This makes Massachusetts one of the more cheapest states in the nation for workers’ compensation coverage. It also represents a slight rate decrease in average rates over the same study conducted in 2012, where Massachusetts ranked 47th. Massachusetts workers' comp rates are approximately 27% below the national median.

While Massachusetts enjoys the benefit of low rates, many employers are still paying more for workers compensation insurance than they should be. Call one of our MA Specialists today at 888-611-7467 to find out if your business qualifies for lower rates with one of our insurance partners. Or start your quote online now.

MA Rates for Select Work Comp Class Codes

Massachusetts rates are established by the Workers Compensation Rating and Inspection Bureau. MA is not a competitive rating state so rates are set by the state. The workers' compensation rates listed below for Massachusetts represent the current insurance rates for 2017. Insurance companies may be able to offer discounts and credits on workers comp policies. We offer Pay As You Go coverage in MA. Not all employers will qualify for the lowest rates available or maximum policy credits.

Class Code

Low Rate

High Rate

0042 Landscaping

$4.09

$4.09

3632 Machine Shop

$1.65

$1.65

3724 Machinery or Equipment Erection or Repair

$4.99

$4.99

3821 Auto Shop

$4.02

$4.02

5022 Masonry

$9.70

$9.70

5183 Plumbing

$3.45

$3.45

5190 Electrical

$2.61

$2.61

5221 Concrete or Cement Work

$6.77

$6.77

5348 Stone

$5.12

$5.12

5437 Carpentry

$5.52

$5.52

5474 Painting

$5.66

$5.66

5478 Carpet Install

$5.59

$5.59

5645 Carpentry

$8.11

$8.11

7219 Trucking- Local Hauling

$9.77

$9.77

8006 Grocery Store

$1.43

$1.43

8017 Retail Store

$1.07

$1.07

8380 Automobile Service

$3.08

$3.08

8742 Outside Sales

$0.16

$0.16

8810 Clerical

$0.07

$0.07

8832 Physician

$0.28

$0.28

8835 Home Healthcare

$2.03

$2.03

9014 Building Operations By Contractor

$3.01

$3.01

9015 Building Operations by Owner

$3.17

$3.17

9052 Hotel

$1.80

$1.80

9079 Restaurant

$1.09

$1.09

9102 Park NOC

$2.66

$2.66

MA workers comp rates vary by industry classification codes and insurance company underwriting standards. Employers' who have an Experience Mod Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation losses. There is no State Fund program in MA, but assigned risk insurance for companies unable to find private insurance is operated by the Workers Compensation Rating and Inspection Bureau.

Workers' Compensation Classifications

The purpose of workers comp class codes is to group employers into classifications so that the rate for each code can reflect the exposures common to each of these employers. Insurance agents and carriers are generally the source most employers use to determine their proper class codes.

WCRIBMA has complete authority to classify all workers compensation risks in Massachusetts. The have the right to inspect businesses and determine the proper classification codes in accordance with the Massachusetts Workers' Compensation and Employers Liability Manual. Employers also have the right to request inspection and classification by WCRIBMA if they do not agree with their insurance carrier or agent.

Massachusetts is not under the jurisdiction of the National Council for Compensation Insurance (NCCI). The state has its own independent bureau known as the Workers Compensation Rating and Inspection Bureau of Massachusetts.

We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Start your quote online or call us at 888-611-7467

We will shop your policy with our MA carriers.

You get the very best prices on workers comp.

Get Massachusetts Workers Compensation Quotes

﻿

$0 Money Down

Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Tough Class Codes

Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

We make it fast and easy to compare rates between your current coverage and our insurance partners. Give us 10 minutes on the phone or submit your company information online and we will tell you if your business qualifies for lower workers' compensation insurance rates. We're waiting for your call.

Give one of our Massachusetts workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.